Leasehold Flat Buildings/Content Insurance Question

w.a.g.s

At the beginning of the year i bought a two bedroom flat on the 4th floor of a 4 story building. I have a couple of questions regarding insurance of the flat:

1) My contract states that buildings insurance is in place (arranged by the estate management company), therefore i didnt purchase buildings insurance. However i was advised to purchase contents insurance, which i did through tesco up to an amount of £75,000. Which is more than enough.

My question is, if there is an accidental fire inside my flat, or if one of the water pipes inside my flat bursts and floods the place, am i covered? I dont see any reason why my contents insurance would cover a fire or a burst water pipe (that's more buildings insurance) but i am also under the impression that the buildings insurance taken out by the estate management company only covers the communal areas of the building. Am I worrying about nothing or is this a genuine cause for concern incase anything goes awry

2) The doors from the main hallway to the kitchen and the bedrooms have self closing chains inside them. This causes the doors to slam extremely loud and i think it is causing damage to the door frames. If i remove these chains, should i contact my insurance? Are they fire doors? Is there regulations surrounding this?

Apologies for the essay, but i thought this would be the easiest place to get an answer to this

:beer:

InsideInsurance

The buildings insurance will cover the building itself, so if there is a leak and it brings down your ceiling then the block policy should cover that. The damage to your TV by the ceiling falling on it from the leak would be covered by your Contents insurance.

If you think the block insurance is communal areas only, which would be unusual, then double check with the estate management

Cant help with regs on fire doors

*Scarlett

It would indeed be unusual for a buildings policy to only cover communal areas. Ask for a copy of the policy schedule from the management company.

Your contents are covered for normal risks - fire, theft, flood, etc on most standard policies & I can't imagine your Tesco policy having anything out of the ordinary that they have not told you about.

Again, get the schedule out and have a read.

Anything relating to the structure should be covered by the buildings (walls, ceilings, floors,etc).

Your belongings (furniture, carpets, clothing, TVs , laptops, etc) should be covered by your contents insurance.